financial planner Stephen Zelcer

My Blog

My Blog

Categories
Archives

Recent Blog Posts

TSP

TSP Planning Report – September 2021

TSP Planning Report – September 2021 Facts: This month’s unemployment rate decreased from 5.4% to 5.2%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 59.9, compared to last month’s 59.5. The S&P 500 (C Fund) increased 3.03% in August, compared to

Read More »
Do you need a trust? Live webinar
Financial Advice

Do you need a Trust? – New Live Webinar

Do you need a Trust? – New Live Webinar A trust costs a few thousand dollars. And it seems everyone is doing it. Why? Should you, too? In this webinar you will learn: • The benefits of a trust • The benefits people assume a trust provides, but doesn’t • Whether a trust will solve

Read More »
TSP report for July
The Market

TSP Planning Report – July 2021

TSP Planning Report – July 2021 Facts: This month’s unemployment rate increased from 5.8% to 5.9%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 60.6, compared to last month’s 61.2. The S&P 500 (C Fund) increased 2.33% in June, compared to

Read More »
Which retirement account should I take money from?
Q&A

Q&A – Which retirement account should I take money from?

Q&A – Which retirement account should I take money from? Question Dear Stephen, We have identified a house which isn’t on the market yet but will be soon.  The asking price will probably be 1.5 million and I want to put $650,000 down on it. My question is where/how do I take my money out

Read More »
how to invest your tsp
TSP

TSP Planning Report – June 2021

TSP Planning Report – June 2021 June 2021 TSP Planning Report: Facts: This month’s unemployment rate dropped to 5.8% from last month’s 6.1%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 61.2, compared to last month’s 60.7. The S&P 500 (C Fund) increased 0.69%

Read More »
Disability Income for Federal Employees
Disability Income

Disability Income for Federal Employees

Disability Income for Federal Employees If you’ve been a federal employee for at least 18 months, you are covered by FERS Disability.  The FERS disability benefit starts off at 60% of you salary (or hi-3, whichever is higher) only for the first year.  Subsequent years, the disability benefit drops to 40% of your salary.   Two important points

Read More »
Investment

TSP Planning Report – May 2021

May 2021 TSP Planning Report:   Facts: This month’s unemployment rate increased to 6.1% from last month’s 6.0%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 60.7, compared to last month’s 64.7. The S&P 500 (C Fund) increased 5.33% in April compared to 4.38%

Read More »
When should I take social security
Social Security

Updated: When to take Social Security

Updated: When to take Social Security Question: Should I take Social Security early, or on time, or late? Answer: It depends.  Below are two reasons why I generally recommend to take it as early as possible.  I also provide 3 exceptions to my general recommendation.  Reason #1 – Social Security is scheduled to cut benefits

Read More »
CSRS

How will my social security impact my CSRS offset pension?

How will my Social Security impact my CSRS Offset Pension? CSRS-offset has got to be one of the more obscure, challenging areas of federal retirement. CSRS-offset retirees have a retirement benefit which combines CSRS and Social Security. The CSRS portion, however, will be reduced by the amount of Social Security earned while employed in CSRS-offset.The

Read More »
tsp report for federal employees 2021
TSP

TSP Planning Report – April 2021

TSP Planning Report – April 2021 April 2021 TSP Planning Report: Facts: This month’s unemployment rate lowered to 6.0% from last month’s 6.2%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 64.7, compared to last month’s 60.8. The S&P 500 (C Fund) increased 4.38%

Read More »

Subscribe to My Blogs

Get fresh insightful content delivered to your inbox

Thank you very much for subscribing to my Newsletter. 

Stephen

Samples of my media work

federal employee financial advisor TSP

A fiduciary advisor specializing in retirement planning and federal benefits

Stephen Zelcer © 2023 All rights reserved

Made by TB